While I would rather have a totally free, much better public health system, I am glad I have the health insurance I do.
Costs us about $300 per month which gives top medical cover with a $500 excess.
I recently had to have my gall-bladder removed, and I chose a large private hospital in Ballarat. Trip to emergency, no waiting then Three days in hospital being diagnosed, two weeks out patient treatment, then in hospital over-night for surgery. Total cost to Medical Fund over $8000, my cost was $500 excess.
Friend had similar issue at around the same time. He went to Ballarat Base Hospital, with a 6 hour wait in emergency, after tests, sent home with pain-killers, waited six weeks before he could have operation done. Still cost him a few hundred dollars for the extras that Medicare doesn’t cover.
Now you get good care at Ballarat Base, but it beats me that the Private Hospital has better staff ratios, immediate access to specialists, and an emergency dept, which cost nothing if referred by your GP, and $175 if not, has more Doctors and more Nurses on duty. My room was more like a Hotel Room and the food was OK. Sure the God Squad want to visit, but you can say no.
This Private Hospital makes a profit, and I just don’t understand why one can be efficient and the other maybe not.